Charlotte
49ers
Spread
+19.5
NCAAF Predictions
Charlotte 49ers vs Temple Owls Predictions
Saturday, October 17, 2026 at 1:00pm EST at Lincoln Financial Field, Philadelphia, PA
@
Temple
Owls
Spread
-19.5
50%
50%
Spread
Charlotte 49ers +19.5
Temple Owls -19.5
Moneyline
Charlotte 49ers +1000
Temple Owls -1800
Total
Over 46.5 (-110)
Under 46.5 (-110)
Who wins this game?
Professional Picks
3 available
Professional Picks On This Game
Charlotte vs. Temple Prediction: Owls Likely to Win, but Pass at -21
Analysis updated October 16, 2026 at 7:46 AM CDT
The SPF market strongly favors Temple, but there is too little information about form, injuries and starters to justify laying 21 points.
Temple's price requires caution
Temple is a 21-point home favorite against Charlotte, with a -1800 moneyline and a total of 46.5. Those prices make the Owls the likely winner, but the spread requires them to win by more than three touchdowns.
There are no confirmed starters, injury reports, team records, recent results or season statistics available for this matchup. Without those details, there is no sound basis for deciding whether Temple can cover or whether the teams can clear 46.5 points.
Game information
Associated Press via Yahoo Sports lists Charlotte at Temple for Saturday, October 17, 2026, at 1 p.m. Eastern. The listing names ESPN Select and ESPN Unlimited as the broadcast outlets.
Prediction
Temple is the most defensible winner because the SPF price makes the Owls a heavy favorite. The worthwhile betting decision is different: pass on the -1800 moneyline, the 21-point spread and the total because the available evidence cannot support a wager.
Pick
Temple Owls
Confidence
low
Betting lean
Pass